| Broker | Address | Carrier | Commissions | Fees | Total comp | % of premium |
|---|---|---|---|---|---|---|
| JANICE W MORRISON3 Filed as: JANICE W. MORRISON | 12420 LAMEY BRIDGE ROAD APARTMENT 435 DIBERVILLE, MS 39540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $8K | $0 | $8K | 4.99% |
| KATHI JACKSON3 | 8534 OP LA WAY DIAMONDHEAD, MS 39525 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $4K | $0 | $4K | 2.45% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINTE BOULEVARD OCEAN SPRINGS, MS 39564 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $815 | $28 | $843 | 0.50% |
| PAM ENTERPRISES INC3 Filed as: PAM ENTERRPISES, INC. | 28 56TH STREET GULFPORT, MS 39507 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $413 | $71 | $484 | 0.29% |
| ANGELA OVERSTREET3 | 699 HAYLOFT WAY BRIGHTON, CO 80601 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $395 | $0 | $395 | 0.23% |
| ALLEN AND SMITH INSURANCE AGENCY3 | 2121 PASS ROAD GULFPORT, MS 39501 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $384 | $0 | $384 | 0.23% |
| MJ INSURANCE3 Filed as: LISA KAY AKIN AND VARIOUS AGENTS | UNKNOWN MERIDIAN, MS 39301 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $266 | $0 | $266 | 0.16% |
| JANICE W MORRISON3 Filed as: JANICE W. MORRISON | 12420 LAMEY BRIDGE ROAD APARTMENT 435 DIBERVILLE, MS 39540 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $551 | $0 | $551 | 9.13% |
| KATHI JACKSON3 | 8534 OP LA WAY DIAMONDHEAD, MS 39525 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $489 | $0 | $489 | 8.10% |
| PAM ENTERPRISES INC3 Filed as: PAM ENTERRPISES, INC. | 28 56TH STREET GULFPORT, MS 39507 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $61 | $14 | $75 | 1.24% |
| STEVEN WELTON GREGORY3 | 614 CAMELLIA POINT BOULEVARD OCEAN SPRINGS, MS 39564 | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | $60 | $5 | $65 | 1.08% |
No Schedule C service providers reported on this filing.
Benefits declared on the Form 5500 main form (✓ = also has a Schedule A insurance contract; otherwise the benefit is funded out of plan assets or via a Schedule C TPA).
The plan reports several different headcounts depending on which form you read. Each one measures a different slice of the population.
| Active participants | 171 | Currently employed and enrolled or eligible. |
| Retired/separated still receiving benefits | 0 | Continuation coverage (COBRA, retiree health). |
| Retired/separated still eligible | 0 | Vested but not currently using benefits. |
| Total participants (= "Plan participants" tile) | 171 | Active + retired/separated + beneficiaries. No dependents. |
| Coverage | Top carrier | Persons covered EOY | Premium |
|---|---|---|---|
| Life insurance(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 171 | $174K |
| Short-term disability(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 171 | $174K |
| Other(2 contracts) | COLONIAL LIFE AND ACCIDENT INSURANCE COMPANY | 171 | $174K |
| Persons covered (= "Persons covered" tile) | Max across the rows above | 171 | — |
Why the numbers differ. Form 5500 line 6 counts employees + retirees + beneficiaries; no dependents. Schedule A persons-covered counts everyone enrolled, including spouses and children, so it usually exceeds line 6 by 30-60% on a working-age workforce. The medical row is normally the broadest single line because it has the highest take-up; dental/vision/life often dip below it. Stop-loss / reinsurance contracts sometimes report the carrier's full underwriting pool rather than this filer's headcount; the row is shown for transparency but shouldn't be read as "people in this plan."
Broker compensation exceeds 5% of premium. Either a small-plan minimum-fee dynamic or an inefficient broker structure ripe for a counter-bid.
Top carrier holds >85% of premium. If that carrier hits a rate increase, the entire plan moves.